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Udruga kreditnih dužnika – KREDA još jednom mora umjesto Hrvatske narodne banke djelovati s ciljem zaštite korisnika kredita te ovim putem još jednom apeliramo da HNB i Ministarstvo financija počnu raditi svoj posao
Tekst: Udruga Kreda
Udruga kreditnih dužnika – KREDA je primila puno upita od strane korisnika kredita u Raiffeisen bank Austria d.d Zagreb. Naime, korisnici kredita u navedenoj banci koji imaju otkazan ugovor o kreditu, a u slučajevima gdje kreditni posao nije završen, nisu dobili izračun konverzije.
Upozoravamo HNB i Ministarstvo financija i ujedno obavještavamo javnost kako Raiffeisen Bank Austria d.d. Zagreb ne provodi zakon i onemogućava provođenje konverzije dijelu dužnika koji temeljem Zakona o potrošačkom kreditiranju također moraju dobiti izračun i prijedlog novog ili izmijenjenog ugovora o kreditu.
Otkazani krediti ne ulaze u konverziju
Na upite korisnika kredita, RBA odgovara da otkazani krediti ne ulaze u konverziju, iako su upućeni od strane korisnika kredita na konkretne zakonske odredbe koje tim negiranjem krše, odnosno na odredbe ZID ZPK(NN 102/15), a koje glase:
Predmet konverzije
Članak 19.a
(2) Odredbe ove glave primjenjuju se na kredite denominirane u CHF i denominirane u kunama s valutnom klauzulom u CHF, bez obzira na vrstu i namjenu, u kojima dužnikova obveza iz kredita ili obveza vraćanja primljenog nastala zbog prestanka ugovora o kreditu nije ispunjena ili prisilno ostvarena.
(3) Odredbe ove glave ne primjenjuju se na kredite iz stavka 2. ovoga članka za koje je do dana stupanja na snagu ovoga Zakona provedena konverzija kredita iz CHF u drugu valutu ili kune ili valutne klauzule u CHF u drugu valutnu klauzulu ili kune i na kredite denominirane u CHF i denominirane u kunama s valutnom klauzulom u CHF i na kredite denominirane u CHF i denominirane u kunama s valutnom klauzulom u CHF kod kojih je dužnikova obveza ispunjena ili prisilno ostvarena.
RBA nezakonito djeluje
Usprkos mnogobrojnim prigovorima, RBA ustraje u nezakonitom djelovanju i odbija dostaviti izračune dužnicima.
Iz navedenog Zakona je jasno da ukoliko je došlo do otkaza kredita, a kreditni posao na dan 30. rujna 2015 nije završen, takav kredit ulazi u konverziju!
S obzirom da se navedena banka oglušuje na prigovore korisnika kredita, Udruga kreditnih dužnika – KREDA još jednom mora umjesto Hrvatske narodne banke djelovati s ciljem zaštite korisnika kredita te ovim putem još jednom apeliramo da HNB i Ministarstvo financija počnu raditi svoj posao.
Do isteka roka za prihvat konverzije je ostalo još malo vremena i sad je zaista krajnje vrijeme da konačno počnete vršiti nadzor nad provedbom donešenog zakona i da počnete kažnjavati one banke koje Zakon ne provode!T
1.411 komentara
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Beware of false witnesses and false testimony from priests.
I cheated on my guestbooks and lost a total of 1,306 euros because I trusted a creditor named Fabien Pirelli. I live in Switzerland, and my name is Mrs. Bellerose. Thanks to my husband, I finally obtained my loan from Mrs. Maryse Biernaux for 35,000 euros. This woman is reliable and honest in business. If you need credit, don’t be fooled. I’ll leave you her email address: [email protected]
Poštovani podnosioci zahtjeva za kredit.
Da li ste u finansijskim poteškoćama? Želite li pokrenuti vlastiti posao? Ova kreditna kompanija osnovana je od strane organizacija za ljudska prava širom svijeta s jedinim ciljem da pomogne siromašnima i ljudima s finansijskim poteškoćama u životu. Ako želite aplicirati za kredit, kontaktirajte nas s detaljima u nastavku na e-mail: [email protected]
Ime:
Potreban iznos kredita:
Trajanje kredita:
Broj mobilnog telefona:
Hvala vam i Bog vas blagoslovio
POVJERENJE
Elena Nino
Tisztelt Hölgyeim és Uraim!
Mi egy jó hírű befektetési csoport vagyunk, amely a bankkal dolgozik. Hiteleket kínálunk minden sokoldalú egyénnek, akinek segítségre van szüksége.
Kérjük, vegye figyelembe azokat a területeket, amelyeken segíthetünk Önnek:
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* Jelzáloghitelek
* Befektetési hitelek
* Autóhitelek
* Adósságkonszolidáció
* Hitelkeret
* Második jelzáloghitelek
* Adósságkonszolidáció
* Magánhitelek
Feketelistára került a bankoknál és nem tud kölcsönt felvenni, vagy van egy projektje, amely finanszírozásra szorul? Bármilyen igénye is van, tudassa velünk az összeget és a visszafizetési időszakot.
Email : [email protected]
Üdvözlettel
Trebate li hitan zajam za otplatu duga ili kapitalni zajam za poboljšanje poslovanja? Jesu li vas banke i druge financijske agencije odbile? Trebate li konsolidaciju zajma ili hipoteku? Ne tražite dalje, jer smo tu da sve vaše financijske probleme ostavimo iza sebe. Kontaktirajte nas putem e-maila: ([email protected]) Nudimo zajmove zainteresiranim stranama po razumnoj kamatnoj stopi od 2%. Raspon je od 5.000,00 eura do 100.000.000,00 eura
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Tražite li poslovni kredit? Osobni kredit, stambeni kredit, kredit za automobil, studentski kredit, kredit za konsolidaciju duga, neosigurani kredit, kredit za rizični kapital uz kamatnu stopu od 2%. Zainteresirani kandidati trebaju nas kontaktirati putem e-pošte: [email protected]
Poštovani podnositelji zahtjeva za kredit.
Jeste li u financijskim poteškoćama? Želite li pokrenuti vlastiti posao? Ova tvrtka za kredite osnovana je od strane organizacija za ljudska prava diljem svijeta s jedinom svrhom pomaganja siromašnima i ljudima s financijskim poteškoćama. Ako želite podnijeti zahtjev za kredit, kontaktirajte nas s podacima u nastavku na e-mail: [email protected]
Ime:
Potreban iznos kredita:
Trajanje kredita:
Broj mobitela:
Hvala vam i Bog vas blagoslovio
POVJERENJE
Elena Nino
Poštovani tražitelji kredita,
Imate li financijskih poteškoća? Želite li pokrenuti posao? Ovu tvrtku za kredite osnovale su organizacije za ljudska prava diljem svijeta s jedinom svrhom pomaganja osobama s niskim primanjima i onima u financijskim poteškoćama. Ako želite podnijeti zahtjev za kredit, kontaktirajte nas sa sljedećim podacima na [email protected]
Ime:
Potreban iznos kredita:
Rok kredita:
Broj mobitela:
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ponuda kredita.
Trebate li bilo kakvu financijsku pomoć? Osobni zajmovi? Poslovni krediti? Stambeni krediti? Zajmovi poduzeća? Financiranje poljoprivrede i projekata? Dajemo kredite uz kamatu od 2%! Kontakt podaci: [email protected]
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Pozdrav,
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